Funeral Cover
Protect your family from unexpected funeral costs.
Affordable funeral cover from R45/month for you and your family. Quick, simple and designed for South African families.
- Valid claims paid within 24 hours
- No medical tests
- No waiting period for accidental death
Authorised FSP 50979 · No annual premium increases · No cancellation fees
Funerals can cost thousands - when families least expect it
When someone passes away, families are often faced with immediate costs they’re not prepared for.
Without a plan in place, this can mean:
- Borrowing money
- Financial stress
- Difficult decisions during an emotional time
Funeral cover removes that burden.
What your cover includes:
✔ Cover for you, your spouse and your children
✔ Option to add parents and extended family
✔ Cover amounts up to R60,000
✔ No annual premium increases
✔ No cancellation fees
Products insured by Old Mutual Alternative Risk Transfer Limited, a licensed Life Insurer
Need cover for your burial society or stokvel? See group funeral cover →
Why South Africans choose Meerkat
✔ Claims paid within 24 hours
Valid claims are paid within 24 hours, so your family isn't left waiting.
✔ Cover that fits your budget
From R45 a month, with cover amounts up to R60,000.
✔ No medical tests
Get a quote online in about 2 minutes. No medicals, no paperwork stress.
✔ No annual increases
Your premium doesn't go up every year.
✔ No cancellation fees
No penalties if you need to cancel.
Choose the cover that suits your family
Your premium depends on the cover amount and the people you cover. Get your exact price online in about 2 minutes.
Got questions first? WhatsApp us on 060 633 7528
Families who've claimed with Meerkat
"Meerkat is excellent. I sent the claim at 8pm and the next day I woke up to them confirming that they were processing the claim. By 12:00 it was paid!" Zozo
"Thank you Meerkat for the excellent service. Claim sent yesterday and today it was paid." Mara
Funeral cover FAQs
Everything you need to know about Meerkat funeral cover, answered in plain language.
Who can apply for Meerkat Funeral Cover?
You can apply if you're a South African resident aged 18 to 60 with a valid South African ID, or a visa valid for at least 2 years. You can cover your spouse, children up to age 23, parents and in-laws up to age 75, and extended family members.
Extended family members must have one of these relationships to you or your spouse:
- Parent, grandparent or step-parent (yours or your spouse's)
- Brother or sister, or brother- or sister-in-law
- Son or daughter (or son- or daughter-in-law) who no longer qualifies as a child dependant because of age
- Stepson or stepdaughter who doesn't qualify as a child dependant
- Grandson or granddaughter
- Aunt or uncle
- Niece or nephew (child of your brother or sister)
Full definitions are set out in your policy document.
Is there a waiting period?
There's no waiting period for accidental death. For death from natural causes there's a 6-month waiting period, and for suicide it's 12 months, both from the start of your policy.
How much does funeral cover cost?
Plans start from R45 a month (Basic Plan), R182 a month (Family Plan) and R212 a month (Extended Family). Your exact premium depends on the cover amount you choose, up to R60,000, and the people you cover. There are no annual premium increases. Get a free quote online in about 2 minutes.
How quickly are funeral claims paid?
If your claim is confirmed as valid within 2 business days of us receiving your claim documents, it's paid within 24 hours. We know that when a family member passes away, the last thing you need is to wait.
Do I need a medical test?
No. There are no medical tests to get funeral cover with Meerkat.
How do I make a claim, change my policy or ask a question?
Contact MyMeerkat FSP (Pty) Ltd:
- Phone: (021) 003 4521
- WhatsApp: 060 633 7528
- Claims: claims@meerkat.co.za
- Policy changes and queries: insurance@meerkat.co.za
We're available Monday to Friday, 08:00 to 17:00.
What happens if I miss a payment?
You have a one-month grace period after the premium due date. If the premium isn't paid by then, your cover ends. The grace period only applies once the first premium has been received. To restart cover after it ends, a new policy would be needed on the terms available at that time. If you're struggling, contact us before the grace period ends and we'll do our best to help.
Can I cancel or change my cover?
Yes. There are no cancellation fees or penalties. You can also downgrade your cover, but this means a new policy is issued. Terms and conditions apply.
Who insures the cover?
Products insured by Old Mutual Alternative Risk Transfer Limited, a licensed Life Insurer.
Is Meerkat authorised?
Yes. MyMeerkat FSP (Pty) Ltd is an authorised Financial Services Provider (FSP 50979), regulated by the Financial Sector Conduct Authority (FSCA). You can check this on the FSCA's public register. Our funeral products are insured by Old Mutual Alternative Risk Transfer Limited, a licensed Life Insurer.
What is not covered?
Like all insurance policies, there are some exclusions. For example, claims aren't paid for suicide within the first 12 months of the policy, for death from natural causes within the first 6 months, or where false information was given when applying. Your policy document sets out all exclusions. Contact us if you have any questions before buying.
Got questions? WhatsApp us on 060 633 7528
